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College Savings Bank

Princeton, NJ · Cert 27041

FDIC · 1 branch

Q3 2015

Board Package

Performance Trends and Peer Comparison

Part 1Performance Trends, own institution only2
Part 2Peer Comparison, not published for this institution and quartern/a

Basis

Quarter: Q3 2015, the quarter ended September 30, 2015, on both parts.

Income statement: year to date as filed, annualized, on both parts.

Balance sheet: as filed at quarter end.

Peer group

No peer standings are published for this institution and quarter.

Peer groups below the disclosure floor are suppressed.

Source: FFIEC Call Report (031/041/051), as filed. Dollar figures derived from reported amounts in thousands. Ratios computed by CallReports.ai using published regulatory formulas.

CallReports · callreports.ai · Board PackageGenerated 2026-10-10

College Savings Bank

Princeton, NJ · Cert 27041

FDIC · 1 branch

Q3 2015

$299.6MAssets
n/aLoans
$246.4MDeposits
$46.7MEquity
Deposit mix
100%Interest-bearing $246.4M0%Noninterest $0.0MQ3 2014Q3 2015

NIM

2.53%Q3 ’132.31%Q3 ’141.54%Q3 ’15-11%-79%

Non-interest income vs. expense

1.19%Q3 ’131.27%Q3 ’141.76%Q3 ’15+7%-229%

Market Position · Trenton, NJ · 2015 SOD (annual) · 2.1% share · #13 of 25 inst. · $0.3B of $15.0B

Executive Summary

  • Earnings: ROA of 2.21%, up 221 bps year over year; NIM at 0.25%.
  • Capital: tier 1 leverage ratio of 14.24%.
  • Funding: loans stand at 0.00% of deposits as of Q3 2015.

Financial Results

Return on Assets (YTD, annualized)

2.21%1+221 bps YoY

Net Interest Margin (YTD, annualized)

0.25%-94 bps YoY

Efficiency Ratio (YTD, annualized)

49.78%-4,933 bps YoY

Tier 1 Leverage Ratio

14.24%

Year to date, annualized, through each quarter.

MetricQ3 2014Q4 2014Q1 2015Q2 2015Q3 2015YoY ΔTrend
Earnings
Return on Assets0.00%0.02%0.13%13.69%12.21%1+221 bps
Return on Equity-0.02%0.17%1.35%34.75%19.12%+1,914 bps
Net Interest Margin1.20%1.25%1.22%0.66%0.25%-94 bps
Efficiency Ratio99.11%97.46%94.46%30.19%49.78%-4,933 bps
Non-Interest Burden1.18%1.21%1.14%-2.58%-1.53%-271 bps
Growth
Asset Growth (YoY)4.14%-6.81%-11.97%-25.15%-37.17%-4,131 bps
Loan Growth (YoY)4.20%0.12%-8.90%-100.00%-100.00%-10,420 bps
Deposit Growth (YoY)-8.96%-12.10%-15.63%-18.56%-29.77%-2,081 bps
Asset Quality
Nonperforming Loans / Loans0.00%0.00%0.00%n/an/an/a
Net Charge-Offs / Loans0.02%0.02%0.02%0.03%n/an/a
Allowance / Loans0.05%0.04%0.05%n/an/an/a
Allowance Coverage of NPLsn/an/an/an/an/an/an/a
Capital
Tier 1 Leverage Ration/an/a9.02%11.85%14.24%n/a
Total Risk-Based Capital25.38%26.18%28.36%993%1124%+109,830 bps
Equity / Assets9.05%9.41%10.01%12.81%15.58%+653 bps
Liquidity & Funding
Loans / Deposits65.27%62.33%62.37%0.00%0.00%-6,527 bps
Liquid Assets / Assets0.00%0.02%0.02%98.86%98.80%+9,880 bps
CRE / Total Capitaln/an/an/an/an/an/an/a